PackageTrendsPeer
Letter portraitLegal landscape

Oakwood State Bank, The

Oakwood, TX · Cert 10334 · Peer group: banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (n=28)

FDIC · 6 branches

Q3 2024

$862.0MAssets
$700.2MLoans
$741.4MDeposits
$82.5MEquity

Executive Summary

  • Strongest standing: nonperforming loans / loans outperforms 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 7 of 28).
  • Widest gap: return on equity trails 100% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area (rank 28 of 28).
  • Overall: at or above the peer median on 1 of 9 directional measures.

Return on Assets

-0.67%

Rank 28 of 28

Net Interest Margin

3.23%

Rank 24 of 28

Efficiency Ratio

112.78%

Rank 28 of 28

Equity / Assets

9.57%

Rank 20 of 28

Non-interest income vs. expense

$1.4M$32.9MINCOMEEXPENSE
Unfavorable gap of $31.6M · efficiency ratio beats 4% of banks under $1B in assets in the Dallas-Fort Worth-Arlington, TX area
Bank 112.78%Peer median 64.8%Q2 2024Q3 2024Shaded: peer 25th to 75th percentile
MetricYour BankPeer 25thPeer MedianPeer 75thStandingRankPeer Position
Earnings
Return on Assets-0.67%0.88%1.26%1.63%Beats 0%28 / 28
Return on Equity-7.01%8.04%11.24%14.83%Beats 0%28 / 28
Net Interest Margin3.23%3.54%4.05%4.62%Beats 14%24 / 28
Efficiency Ratio112.78%52.68%64.81%68.78%Beats 4%28 / 28
Asset Quality
Nonperforming Loans / Loans0.00%0.01%0.10%0.49%Beats 100%7 / 28
Net Charge-Offs / Loans0.34%0.00%0.02%0.07%Beats 14%25 / 28
Capital
Tier 1 Capital Ratio9.54%11.34%13.66%16.80%Beats 7%26 / 28
Total Risk-Based Capital Ratio10.24%11.35%14.92%17.86%Beats 11%25 / 28
Equity / Assets9.57%8.99%10.47%13.06%Beats 29%20 / 28
Liquidity & Funding
Loans / Deposits94.44%71.43%83.50%94.40%79th pctl6 / 28
Loans / Assets81.23%61.36%68.76%78.56%89th pctl3 / 28
Brokered Deposits / Depositsn/aNot reported for this institution